Default having been made in the terms, conditions and payment of the debts and obligations secured by a certain Deed of Trust dated 22 October 2007, executed by KAREN McCOWAN,
to Kevin O’Connor as Trustee for Beneficial Tennessee, Inc., of record in the Office of the Register of Overton County, Tennessee, in Book 42, Page 782; and, Richard J. Myers having been appointed as Substitute Trustee in an instrument of record in said Register’s Office in record Book 112, Page 252, Instrument No. 32865, and the owner of the debt and obligations secured by said Deed of Trust, Beneficial Tennessee, Inc., having required the undersigned to advertise and sell the property described therein conveyed, the entire indebtedness having been declared due and payable as provided in said Deed of Trust, the undersigned, RICHARD J. MYERS, will by virtue of the power and authority vested in him as Substitute Trustee, on TUESDAY, 11 DECEMBER 2012, commencing at TEN O’CLOCK A.M., at the Overton County Courthouse, Courthouse Square, Livingston, Tennessee, sell at public outcry to the highest and best bidder for cash, the following described property in Overton County, Tennessee, to wit:

A CERTAIN TRACT OR PARCEL OF LAND LYING AND BEING IN THE 6TH CIVIL DISTRICT OF OVERTON COUNTY, TENNESSEE, MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING ON A STEEL STAKE IN THE WESTERN LINE OF THE ORIGINAL COPELAND 115.20 ACRE TRACT OF WHICH THIS TRACT IS A PART; THENCE S-75-09-07 E 1661.80 FEET TO A METAL STAKE; THENCE N-69-53-22-E, 1551.81 FEET CROSSING A ROAD TO A METAL STAKE IN THE WEST BANK OF A CREEK; THENCE WITH THE MEANDERS OF SAID CREEK N-16-43-24-E 653.37 FEET APPROXIMATELY TO A MULBERRY TREE IN THE WEST EDGE OF SAID CREEK; THENCE S-86-42-14-W 517.44 FEET WITH A FENCE ROW TO A WOOD FENCE POST; THENCE CONTINUING WITH SAID FENCE LINE, S-77-45-40-W 590.64 FEET TO A STEEL PIPE; THENCE N-01-06-24-W 565.88 FEET TO A STEEL PIPE; ALSO A CORNER OF THE STOCKTON PROPERTY; THENCE S-68-45-59-W 504.09 FEET TO A WOOD FENCE POST; THENCE WITH A FENCE LINE S-66-45-49-W 504.09 FEET TO A WOOD FENCE POST; THENCE WITH A FENCE LINE S-66-09-30-W 233.41 FEET TO A WOOD FENCE POST; THENCE N-77-34-04-W 752.63 FEET WITH A FENCE LINE TO A WOOD FENCE POST; THENCE S12-02-01-W 742.51 FEET TO THE BEGINNING, AND CONTAINING 57.60 ACRES, MORE OR LESS, AS PER A SURVEY BY O.D. PUGH OF CROSSVILLE, TENNESSEE. EXCLUDED FROM THIS CONVEYANCE IS, THAT PORTION OF THE ABOVE TRACT TO BE CONVEYED TO DEBORAH MAYNORD HICKS AND CHARLES HICKS, DESCRIBED AS FOLLOWS: BEGINNING ON A STEEL FENCE POST, ON THE WEST MARGIN OF THE BOB LEDBETTER ROAD; THENCE WITH, THE SAID BOB LEDBETTER ROAD NORTH 33 DEGREES 52 MINUTES WEST, 31.84 FEET TO A POINT IN THE WEST MARGIN OF SAID ROAD; THENCE LEAVING THE SAID BOB LEDBETTER ROAD AND RUNNING SOUTH 75 DEGREES 43 MINUTES 1,654.70 FEET TO A POINT; THENCE NORTH 75 DEGREES 09 MINUTES 07 SECONDS WEST 428.00 FEET TO A POINT; THENCE NORTH 11 DEGREES 55 MINUTES EAST 730.88 FEET TO A POINT, A CORNER OF JESS NELSON; THENCE WITH THE LINE OF NELSON NORTH 77 DEGREES 34 MINUTES 04 SECONDS 430.00 FEET TO A WOOD FENCE POST; THENCE LEAVING NELSON AND WITH THE LINE OF OSCAR REID SOUTH 12 DEGREES 02 MINUTES 01 SECONDS WEST 742.51 FEET TO A STEEL STAKE; THENCE LEAVING THE LINE OF REID AND WITH THE LINE OF CHARLES WILSON SOUTH 75 DEGREES 09 MINUTES 07 SECONDS EAST 866.53 FEET TO A STEEL FENCE POST; THENCE LEAVING THE LINE OF CHARLES WILSON AND RUNNING NORTH 75 DEGREES 43 MINUTES EAST 1,672.78 FEET TO A STEEL FENCE POST IN THE WEST MARGIN OF THE BOB LEDBETTER ROAD, BEING THE PLACE OF BEGINNING, AND CONTAINING 8.88 ACRES, MORE OR LESS. FURTHER EXCLUDED ARE THE TRACTS PREVIOUSLY CONVEYED AS FOLLOWS: (1) TO EDWARD MAYNORD ET UX REBECCA MAYNORD, DEED BOOK 262, PAGE 464, 13.50 ACRES, MORE OR LESS. (2) TO DEBORAH MAYNORD HICKS ET VIR CHARLES HICKS, DEED BOOK 258, PAGE 407, 1 ACRE, MORE OR LESS. (3) TO DEBORAH MAYNORD HICKS ET UX CHARLES HICKS, DEED BOOK 265, PAGE 103, 5.46 ACRES, MORE OR LESS. THE TRACT HEREIN CONVEYED TO KAREN MCCOWAN CONTAINS 28.76 ACRES, MORE OR LESS. BEING THE SAME PROPERTY CONVEYED FROM EDWARD MAYNORD AND DEBORAH MAYNORD HICKS TO KAREN MCCOWAN BY DEED RECORDED 6/21/96, IN BOOK 273, AT PAGE 96[151], IN THE REGISTER’S OFFICE OF OVERTON COUNTY, TENNESSEE.

TAX MAP OR PARCEL ID NO.: MAP 80 PARCEL 8.00

Property Address: 180 Bob Ledbetter Rd, Livingston, TN 38570

At the time of this publication, 1) the § 35-5-117 notice of the right to foreclose was timely forwarded and 2) a search of the public records reveals no lien filed by the United States or the State of Tennessee which affects the above described property. The sale of the property described in said Deed of Trust shall be subject to any and all instrument of record, prior liens, encumbrances, deeds of trust, easements, restrictions, building lines, unpaid taxes, assessments, penalties and interest, if any. All right and equity of redemption, homestead, dower and all other exceptions are expressly waived in said Deed of Trust, and the title is believed to be good, but the Substitute Trustee will convey and sell only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day or time certain without further publication, upon announcement at the time for the above.